Am I thinking correctly?

[dez1978]

Planning a trip for Thanksgiving 2024, with a Dec UY (I know I'm in trouble if we need to cancel). We have 300 points. For that trip, a 1bdrm at Riv (our home resort) is 246 points and we'd need to rooms. So I have 47 points from my Dec 22 points, but those would have to be used in 2023 if I bank them right? Or if I bank them, they'd go to my 23 UY and be available until 11/30/24? So I'd have 300 points that I'd get in Dec 23, and need to borrow 192 points from my Dec 24 points. Planning a trip at the end of a UY is making me nervous. But it is the only week that both families are out of school. Our only other choice is the last week of March 24, which is the week leading into easter. I figure thats just as busy as Thanksgiving, but without the decorations.
Am I missing anything? I assume at 7 months I'd have a hard time getting rooms anywhere besides SSR or OKW the week of thanksgiving. If we do have to cancel, I'd just be beat out of all the points unless I could rent out the reservations right?

Sorry for all the questions. This is the 1st trip I'm planning that would require borrowing.

 

[thanxfornoticin]

I'm not totally clear on your explanation, but let me try. If you're doing a trip Thanksgiving 2024 - if you complete that trip before 12/1/2024, that would be considered your 2023 UY. So if you bank 47 points from 2022, you'd have 347 points available in the 2023 UY for the trip - and you could use them and borrow the rest from 2024. If your trip slips into December dates, you would just use the 2024 UY points - and could even borrow 2025 points at that time - but that doesn't sound like you'll need any 2025 points!

If you needed to cancel, as long as you did it prior to 30/31 days (never sure which it is), you would have the 2022 points in jeopardy, and any you borrowed. That actual 2023 points could be banked.

Your best bet at 7 months would be OKW, SSR, and maybe AKL. I assume you have Riv direct points if you're thinking about a 7 month alternative.... Not sure if I've answered your actual question!

 

[Sandisw]

A Thanksgiving 2024 trip is in your 2023 UY. You can book it using banked 2022, 2023 points and borrow from 2024 to finish the trip.

You need 492 points for two rooms. You have 347 from banked 2022 and 2023. That mean you need to borrow 145 from 2024.

 

[RoseGold]

I don't think 7 months will be as limited as you think in a 1BR. Thanksgiving 2023 is at 6 months right now, and you could do a BW/BLT split stay. There's lots of patchy availability. You might be able to pull something off with some waitlists and split stay.

I'd boom the RIV in 2-3 different bookings so you can play with waitlists. Example: book 3 x 2 nights. Wailist BW on the ends. Then waitlist the middle segment when one end fills.

Or, I'd start walking the 1BR way out if it shows wide open, as it might.

 

[sndral]

You need two Riv 1 br.s @ 247 each = 492 points?
you have available:
2022 points 47 (banked from 2022 into 2023 use year & expire 12/1/24)
2023 points 300 (current expire 12/1/24 & cannot be banked after 7/31/24)
2024 points 145 (borrowed from 2024 use year & expire 12/1/2024)

…
If you needed to cancel, as long as you did it prior to 30/31 days (never sure which it is), you would have the 2022 points in jeopardy, and any you borrowed. That actual 2023 points could be banked.
…

I have a December use year, it runs from 12/1 - 11/30. In OP’s case their planned trip will fall into their 2023 use year even though it will actually occur late in calendar 2024.
The banking deadline for December is 7/31, so if OP cancels 8/1/2024 or later, they cannot bank their 2023 points because they will be after their banking deadline. Since banking/borrowing are one shot deals & cannot be undone the 192 banked 2022 points & borrowed 2024 points must be used before 12/1/24 even if the trip is canceled before the 7/31/2024 banking deadline.
The other challenge is that fall availability is very tight so if you have to cancel after your banking deadline you have to scramble to reschedule before 12/1/24 when all those points expire. If OP needs to cancel one or both of the 1 br.s my fall back plan would be to rent out the reservation(s) to at least recoup MFs.